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Incredibly great rates
from a local bank.

Certificates

Earn more interest than a savings account with these short-term investments. You only need $1,000 to open a certificate of deposit.

Term Interest Rate APY*
91 day 0.16% 0.16%
182 day 0.20% 0.20%
12 month 0.30% 0.30%
13 month 3.20% 3.25%
18 month 0.35% 0.35%
19 month 1.64% 1.65%
24 month 0.35% 0.35%
30 month 0.40% 0.40%
36 month 0.40% 0.40%
48 month 0.45% 0.45%
60 month 0.60% 0.60%

Rates and APY are effective as of 1/17/2023.
Monthly compounding and crediting, $1,000 minimum balance to open, IRA eligible. APY = Annual Percentage Yield.

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The annual percentage yields shown above assume that all principal and interest remain on deposit for the entire term. A withdrawal will reduce earnings.

Rate is compounded monthly for annual percentage yield. Interest rates and annual percentage yields are subject to change at any time without notice.

We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Interest begins to accrue on the business day you deposit noncash items (for example, checks).

You can only withdraw interest accrued in the term before maturity of that term without penalty. You can withdraw interest any time.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You may not make any deposits into your account before maturity.

The account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity or within the 10 calendar day grace period provided after the maturity date. If your certificate of deposit automatically renews, interest will accrue after final maturity. If your certificate of deposit is not automatically renewable, interest will not accrue after final maturity.

A substantial penalty may be imposed for early withdrawal from Certificates of Deposit.

Early withdrawal penalties – If your account has an original maturity of one year or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year: The fee we may impose will equal six months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if account is part of an IRA.

Additional account disclosure information is provided in the Terms and Conditions of your account. For current interest rate and annual percentage yield information, call 715-289-4253.

Member FDIC

Mortgage Loans & Home Loans

As an independent community bank, we have pledged to keep our loan processing and decision-making local.


We strive to provide you not only the mortgage products and services you need, when you need them, but also the peace of mind that comes from talking to a real person who lives and works in the same community you do.

  • Free and Easy Prequalification
  • First Home, Vacation Home, and Refinancing Options
  • Fixed and Adjustable Rate Mortgages
  • Construction and Land Loans
  • Home Equity Lines of Credit
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Term Fixed Interest Rate APR*
10 Year 5.500% 5.663%
15 Year 5.500% 5.615%
20 Year 6.000% 6.093%
30 Year 6.250% 6.321%

Rates effective as of 2/8/2023
Subject to credit approval. APR= Annual Percentage Rate.

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Interest rate is subject to change at any time without notice. Rates shown here are available to borrowers with an excellent credit history. The actual APR available to you may vary based on such factors as credit score, loan-to-value ratio, loan purpose, secondary financing, and type of property. Your actual payment may be higher if an escrow account is established or required. A down payment may be required. The stated APR assumes a 20% down payment and is based on a loan amount of $100,000. Your actual experience may vary.

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